Our Solutions

StoneTapert provides employee benefits consulting designed for the realities of employers and nonprofits: limited HR bandwidth, rising costs and employees who need clear guidance.

Our team blends high-touch service with modern delivery – technology, tools, data analytics and streamlined workflows that improve efficiency and interpret the benefits experience, so we can spend more time doing what we do best: working directly with clients.

Solutions Across All Market Segments

  • Start Up & Small Business (2–50 Employees)
  • Middle Market (51–500 Employees)
  • Large Market (500+ Employees)

Employee Benefits Consulting

employee benefits

Benefits Plan Design:
Design coverage and contributions that fit workforce needs and budget goals.

Renewal Strategy & Carrier Negotiation:
Start early, model options and make renewal a planned decision.

Alternative Funding:
Assess fit and design options for level funding, self-funding, captives and reimbursement strategies when appropriate.

Contribution Modeling:
Align employer/employee cost-sharing with talent strategy.

Benefits Benchmarking: Compare benefits and employer contributions with peer organizations to make informed plan and budget decisions.

Risk Management Strategy:
Use data and plan design to reduce avoidable cost drivers.

Executive Plans:
Design programs for key leaders, such as executive medical reimbursement.

HR Data Analytics:
Analyst-backed insights that translate data into action.

Employee Benefits Plan Design (Coverage & Programs)

Employee Benefits Plan Design (Coverage & Programs)

  • Group Medical (U.S. and International) & Prescription Drug
  • Group Dental and Group Vision
  • Group Life & AD&D; Short-Term Disability (STD); Long-Term Disability (LTD); Long-Term Care (LTC)
  • Voluntary Benefits (accident, critical illness, hospital indemnity, identity theft protection, pet insurance, etc.)
  • EAP (Employee Assistance Program) – Mental health, financial, legal, work-life
  • Wellness and lifestyle programs
  • Accounts: FSA, HSA, HRA; Lifestyle Spending Accounts

Funding & Plan Options

Funding

  • Fully insured
  • Level funding
  • Self-funding
  • Captives
  • ICHRA / individual coverage strategies
  • MERP
  • MEC/MV options
  • PEO solutions
Open Enrollment

Open Enrollment & Employee Experience

  • Open enrollment planning and project management
  • Employee communications and presentations
  • Employee advocacy and claims support
  • Benefits administration and onboarding support

Systems &
Integrations

  • Carrier connections
  • Payroll integration
  • Benefits administration platform support
  • Total compensation statements (when applicable)

Tools/Resources/
Smart Apps

  • Mineral (HR support)
  • Zywave (client portal resources)
  • Bilingual Support
  • Wellness Newsletters
Legal

Legal & Compliance Support

StoneTapert helps HR teams stay organized and prepared with a practical compliance cadence.

  • Benefits compliance support
  • COBRA administration guidance/coordination
  • Compliance posters
  • Legislative updates and reminders
  • FMLA administration support (as applicable)

Individual &
Medicare

StoneTapert provides guidance for individuals and families when coverage needs change.

  • Individual & family plans (under 65): ACA marketplace and off-exchange
  • Medicare (65+): Medicare Advantage, Medicare Supplement, Prescription Drug Plans
  • Enrollment guidance and annual review
  • Support for Medicare-eligible employees and families transitioning coverage